Investor Presentaiton
Snapshot of Results
Profitability (%)
ROE
ROE, Quarterly
ROA
2020
1Q21
1H21
9M21
2021
10.9
12.9
12.8
14.9
17.9
12.1
12.9
12.9
18.7
26.2
1.4
1.6
1.6
1.8
2.1
ROA, Quarterly
1.5
1.6
1.6
2.3
2.8
Swap Adj. NIM
4.12
2.48
2.71
2.96
3.23
Swap Adj. NIM, Quarterly
3.61
2.48
2.92
3.44
4.04
CIR (1)
33.8
40.0
39.8
38.1
34.8
CIR, Quarterly
38.5
40.0
39.6
35.4
29.6
(%)
Total LDR (2)
TL (2)
FX
Leverage (x)
Asset Quality (%)
NPL Ratio
94
94
93
86
95
153
147
139
142
147
47
49
49
47
51
7.6
8.0
8.4
10.0
8.2
6.2
5.8
5.5
5.2
4.5
Stage 3 Coverage
Stage 2/Total Gross Loans
62.4
63.7
65.2
66.6
65.3
9.4
9.5
11.1
9.6
9.9
Stage 2 Coverage
Net CoC
Net CoC, Quarterly
16.4
16.8
16.1
15.2
14.0
2.27
1.01
0.79
0.52
1.06
1.06
1.01
0.59
0.02
2.46
Net CoC (excl. Currency)
1.97
0.92
0.64
0.41
0.44
Net CoC(excl. Currency), Quarterly
1.15
0.92
0.37
(0.01)
0.53
Solvency (3) (%)
CAR
19.8
18.5
20.0
19.4
17.2
CET-1
16.9
15.5
16.0
15.5
12.9
Tier-1
16.9
15.5
16.0
15.5
12.9
(1) CIR calculation excludes FX gain from hedge position related with stage 1&2 provisions and LYY exposure The calculation excludes insurance
penalty of TL 71 mn & BRSA penalty of TL 117 mn for 2020
62
(2) Bank-only, TL LDR includes domestic TL bond issuances and merchant payables
AKBANK
(3) w/o forbearances: fixing MtM losses of securities & FX rate for RWA calculation to YE2019 for 2020; fixing MtM losses of securities & FX rate for RWA
calculation to average last 12 month FX rate for 1Q21 and 2021; fixing FX rate for RWA calculation to average last 12 month FX rate for 1H21 and 9M21View entire presentation